Creditcents: Credit and Personal Finance Blog from Creditnet.com

Regulators are continuously searching for safer methods to protect consumers. Whether decisions are made to provide additional disclosures or to enforce certain rules for negligent credit practices, consumers are the ultimate beneficiaries of enhanced oversight. New credit reporting changes that are due to take effect should provide greater opportunities for consumers to address various credit-base discrepancies. Many of the new credit sharing procedures involve the collection and the reporting of a consumer’s account information.

Technology has evolved significantly in recent years, and it has resulted in numerous beneficial changes in many people's lives. If you are like most people today, you rely on your smartphone for everything from communicating with friends and family and monitoring social media accounts to checking your bank account balance and playing games for mindless entertainment. There seems to be an app available for you to download for almost every imaginable purpose, and the good news is that you can use an app to help you get a better credit score.

Just as with personal credit, business credit helps suppliers, lenders, and other creditors quickly determine whether a business pays its bills on-time. As a business owner, you will want to put your company in a position to where it can secure whatever financing it may need. This means you will have to establish, build, and maintain your company's credit profile.

Today’s economy makes it seem nearly impossible to function without some sort of debt. From car loans to credit cards and even house payments, all of the niceties of life come at a cost, and society suggests paying for those things over time not upfront.

Saving for retirement is one of the most important financial goals. In the old days, people would work for one company for thirty or forty years and then would be able to retire comfortably with a pension and social security. However, times have now changed both in retirement planning and how long people stay at their jobs throughout a career. There are many priorities that pop up during life, such as a child's college, that get in the way of retirement savings.

There are a number of reasons why people continue to strive for perfection. Naturally, there’s a sense of satisfaction knowing that you’re doing your best and achieving results. For instance, pitching the perfect baseball game will have positive consequences just the same as achieving a perfect score on your SAT exam. Perfection has its place as well as its perks.

Every couple argues about money. If you haven't already had a heated screaming match with your significant other about money, the chances are high that there's one in store soon enough.

The American Institute of CPAs reported in 2012 that couples will most likely argue about money before anything else. In fact, couples tend to argue more about finances than work, children, friends, and household work. It was also reported that couples who spend their days bickering over finances are at a much bigger risk for divorce.

One of the greatest changes in the world over the past twenty to thirty years is the internet. Not only has the internet essentially transformed the value of information, but it has also transformed how everyone approaches common tasks that were more complicated years ago. One of the areas that has undergone the most dramatic change is the field of banking. In years past, knowing your local bank and the people that worked there was one of the things you simply just did as an adult.

When a friend asks to borrow money, you undoubtedly feel like they've put you on the spot. Of course, you do want to help your friend out, but there's probably a reason he's turning to you rather than to the bank. You may be the most financially successful person in your group of friends, but this doesn't mean that they should treat you like an ATM. On the other hand, if you want to help your friend out, you can do so in a way that makes it more likely for you to keep your friendship and get your money back.

In most cases, the word "savings" and the word "dating" do not go hand-in-hand. Although you will certainly be responsible for spending more money on your significant other and yourself than you would on yourself alone, your significant other does not have to completely rob you of all of your financial freedom. Here are just a few of the top ways to tell if your significant other is breaking your bank.

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